European Stars and Stripes (Newspaper) - July 26, 1978, Darmstadt, Hesse Why Amelco line for deposits wednesday july 26, 1978 the stars and stripes Page 11 nobody likes to stand in line particular by if there does t seem to be a justifiable reason to do so. The Lack of Competition makes Long lines inevitable at the Mannheim american express Bank especially during the few Days preceding and after military paydays this unpleasant but understandable it is also understandable that Patron desiring to convert third party checks into Cash must first be cleared by obtaining supervisory approval prior to waiting in one of the lines to a cashier s window. To facilitate this procedure Amelco Mannheim has established a clearance desk in the lob by and has signs posted pertaining to the tank s requirements. What is not understandable to me is the Bank s requirement that customers wish ing to Deposit checks to their checking accounts with no Cash withdrawal involved most also stand in line at this clearance desk and have the Check approved before entering one of the Long lines to a cashier s window. On a Busy Day this requires waiting in Long lines to accomplish a simple de and this can use up an hour of duty since the Bank is not open during non hours. Toned the reason for this policy. Is fairly recent of having to obtain approval to Deposit a Check int count and was first told that the makes us do this explanation incredible and the Point later with the Bank s supervisory personnel and received an sex intonation that prior approval of a Deposit a Alary because a customer might not sufficient funds in his account to Cov Deposit and could write checks the deposited amount and the de Check might prove worthless alleged that the Bank requires us approval of deposits of stateside y checks or checks from another account As some sort of Protection not possibly worthless checks. I con _ that this is a sheer waste of time and inconvenience to the customer and a no Protection accrues from thee procedure. As a Bona fide bolder of a checking a customer has a right to Deposit arty checks to that account regard the amount of his checking account whether or not a deposited third Check from a conus Bank account will not be known until the Degoti neck Ujj either accepted or rejected fore it is nonsense to say that super in Mannheim will pro the Bank against the possibility of re in a worthless Check from conus r Deposit to an in the world if i wanted to de it a Check to my checking account with immediate withdrawal of funds to 1 could do so As soon As i reach the window. If 1 did not wish to stand in could use the drive through service at the rear of the Bank or i could Cheek and Deposit slip in the night receptacle or i could mail them e modern Banks you can entert information into your account i yourself from the outside of the by operating a computerized inform input system that will allow a Cus to make deposits or withdrawals i automation without the assistance encounter with tellers Sor Bank supervisors. Not expect Amelco Mannheim to be a rusticated but i do think they could the requirement of forcing Cus reminder the editor most contain Aid address the writ he St coed. Unsigned letters of to wait in an unnecessary line and it used to be that customers of Amelco. Mannheim could write and Cash checks on their own accounts up to $100 without obtaining prior supervisory approval. But a we new system requires that All checks must first be consequently i and i m sure a great Many other customers conduct much of my banking business at the Exchange instead of the Bank because i can Cash a Check for is Cash by waiting in Only one line instead of two. You would think that a Bank cashier in military location could be Given the same amount of approval authority As a Exchange cashier in the same Community can t say that Amelco never loses Money by customers depositing bad checks but it seems to me that by virtue of its customers being a captive audience because of military attachments the risk must be considerably less than to civilian Banks in conus whose customers May not have Strong ties to the Community. Here Amelco has Access to Chain of command pressure and a worldwide Loca Tor system As Well As assessing punitive charges if checks Bounce. The require ment then for prior supervisory approval of deposits would be of questionable value even if the procedure were effective with such other Strong controls available. It would be a worthwhile service Toam Exco customers if someone in authority would review their current policies and eliminate those that create an inconvenience and serve no real purpose. -cwoa.a. Jackson Heidelberg i would like to know Why the military banking facility Here at we Brucken must approve a government Check before it can be considered Good. This has caused quite a bit of concern Here at the air base. I have never heard of such a thing be fore. If a Check that comes from the . Treasury has to be approved by these peo ple we just Don t know what to think. It Cre ates More hassle in the place since it is Al ready a match most of the people have started going Over to Kreuzberg Ca sern across town to Cash their pay checks. Richard Germany editor s note James m. Haul vice president american express International banking corporation replies military banking facility Jbf management welcomes the Opportunity to com ment upon these two tetters which indicate Misander staffing about a Jbf service the Teller service recheck station. This Bank work station is designed to Speed Teller service. It does a lot More than approve a . Government Check for in Cash meat or a personal Check to Deposit. In situations described by the two employees at this work station Are re so Niue for performing most of the time Fri of a neurons Prev Hosly performed by the teders or Back office personnel snob identification id card Check for eligibility to me the Jbf Check Jadorse it signature verification completeness and i Filc i slips Jbf account Fleck approvals and bad Check Cross checks assessment of of ,au1m. Mil lilt Kala Arv Laudlam. Civ sh17. Mil vagal to my ecu. Civ twin a mum. Mil us a Vanbarg. Of ii a Mil Utji Horn Carman Raglon. I Aln Maln Mil Guiar ton Smi omit. 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